<class 'pandas.core.frame.DataFrame'>
Index: 3533892 entries, 0 to 4456613
Data columns (total 19 columns):
 #   Column                            Dtype  
---  ------                            -----  
 0   race                              object 
 1   sex                               object 
 2   co_applicant                      object 
 3   age                               object 
 4   income                            float64
 5   loan_amount                       int64  
 6   property_value_ratio              float64
 7   mortgage_term                     object 
 8   debt_to_income_ratio              object 
 9   combined_loan_to_value_ratio      float64
 10  tract_to_metro_income_percentage  object 
 11  white_population_pct              float64
 12  metro_name                        object 
 13  metro_code                        object 
 14  metro_size_percentile             object 
 15  state_code                        object 
 16  county_code                       object 
 17  census_tract                      object 
 18  loan_outcome                      object 
dtypes: float64(4), int64(1), object(14)
memory usage: 539.2+ MB
None

Index(['STATEFP', 'COUNTYFP', 'TRACTCE', 'AFFGEOID', 'GEOID', 'NAME', 'LSAD',
       'ALAND', 'AWATER', 'geometry', 'loan_outcome', 'denial_rate',
       'num_applicants', 'white_population_pct'],
      dtype='object')

	race	sex	co_applicant	age	income	loan_amount	property_value_ratio	mortgage_term	credit_model	debt_to_income_ratio	combined_loan_to_value_ratio	main_underwriter	tract_to_metro_income_percentage	lender_type	lender_size	white_population_pct	metro_name	metro_code	metro_size_percentile	state_code	county_code	census_tract	loan_outcome	lender_id	fips
1049171	White	Male	Co-applicant	45 through 54	193.0	285000	1.595	30 year mortgage	TransUnion	Healthy (<36%)	74.026	Desktop Underwriter	Middle (80-120%)	Independent Mortgage Companies	20250	70.670827	Charlotte-Concord-Gastonia, NC-SC	16740	90th percentile	37	179	37179020401	Loan originated (approved)	5493008VVXQIDO1EZ460	37179
2604596	White	Male	Co-applicant	35 through 44	267.0	635000	2.504	30 year mortgage	Experian	Healthy (<36%)	95.000	Not Applicable	Moderate (50-80%)	Banks	23714	83.340223	Madison, WI	31540	70th percentile	55	025	55025011101	Loan originated (approved)	ZF85QS7OXKPBG52R7N18	55025
2314423	Latino	Male	No co-applicant	25 through 34	60.0	195000	0.451	Less than 30 years	Equifax	Unmanageable (43-49%)	80.000	Desktop Underwriter	Moderate (50-80%)	Banks	3361	18.705784	New York-Jersey City-White Plains, NY-NJ	35614	99th percentile	36	081	36081094202	Loan denied	549300IRXW9RSZM2B951	36081

HMDA Dataset Info¶

Mortgage outcomes in HMDA data¶

Applicant Characteristics¶

What leads to loan denials?¶

Are disparities focused in any geographic areas?¶

Denial rates in the Chicago metropolitan area:¶